Side-by-side · Q2 2026 data
Texas Tech Federal Credit Union vs America'S Credit Union
Metric by metric
| Measure | Texas Tech Federal Credit Union | America'S Credit Union |
|---|---|---|
| TellerScore | 69 | 76 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 86 (stronger) | 80 |
| Earnings | 52 (stronger) | 21 |
| Funding & liquidity | 73 | 83 (stronger) |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 48th | 68th |
| Total assets | $450.8M | $427.6M |
| Deposits / shares | $392.8M | $362.2M |
| Capital ratio | 10.73% | 15.01% (stronger) |
| Problem loans | 0.42% (stronger) | 0.59% |
| Net charge-offs | 0.30% (stronger) | 0.89% |
| Return on assets | 0.80% (stronger) | 0.02% |
| Loans ÷ deposits | 87.0% | 77.4% (stronger) |
| Uninsured deposits | 9.6% | 5.1% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.2% | 20.0% |
America'S Credit Union has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Texas Tech Federal Credit Union leads on 3 and America'S Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.